Payment processing (Cut off) times – Service description

A payment order is regarded as issued when the payer’s bank has received it via a bank branch or the electronic service channel in a manner approved by the bank. In the table below, you can see how the execution date is determined. You can also get the information at bank branches.

Type of payment

Time of debit

Time of credit

Payments between OP accounts                  

Immediately, even on a holiday
or at the weekend

Usually immediately, even on a holiday
or at the weekend

Euro payments from OP to another
financial institution in Finland

Usually immediately, even on a
holiday or at the weekend

Immediately, if this is supported
by the recipient's payment system.
Otherwise, within 1 business day
 

Euro payments from OP to
another SEPA country

Usually immediately, even on a
holiday or at the weekend

Immediately, if this is supported
by the recipient's payment system.
Otherwise, within 1 business day 

International transfer from OP to
a non-SEPA country in EUR
(Maundy Thursday and New Year’s Eve) 

Same day if the payment
arrives before 17.00 (12.00)

Within 2 to 5 business days

 

In Web Services channel, payment files are processed between 7.00 and 18.00 on business days. You can send single payments to SEPA countries 24/7 via the Web Services channel.

Information updated 27 September 2024.

Currency Settlement GPI payment, cut off time (during the same day) Settlement Instant payment instruction with zero value date processing, cut off time Settlement Normal payment, cut off time
AED     D+1 16.00 D+2 17.00
AUD     D+1 16.00 D+2 17.00
CAD D+0 16.00 D 17.00 D+2 17.00
CHF D+0 13.30 D 15.00 D+2 17.00
CNH     D+1 16.00 D+2 17.00
CNY     D+1 16.00 D+2 17.00
DKK D+0 13.30 D 15.00 D+2 17.00
EUR D+0 16.00 D 17.00 D+2 17.00
GBP D+0 16.00 D 17.00 D+2 17.00
HKD     D+1 16.00 D+2 17.00
JPY     D+1 16.00 D+2 17.00
NOK D+0 14.30 D 16.30 D+2 17.00
PLN D+0 11.30 D 13.00 D+2 17.00
RUB     D 11.00 D+2 17.00
SEK D+0 14.30 D 16.30 D+2 17.00
SGD     D+1 16.00 D+2 17.00
USD D+0 16.00 D 17.00 D+2 17.00
Other currencies     D+1 16.00 D+2 17.00